Fond Du Lac, WI · Cert 10044 · Neb Corp.
National charter · OCC · 33 branches
Q2 2026
Market Position · Fond du Lac, WI · 2026 SOD (annual) · 45.8% share · #1 of 11 inst. · $1.3B of $2.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.21% | 1.39% | 1.41% | 1.50% | 1.50% | 1.68% | 1.69% | +28 bps | |
| Return on Equity | 6.96% | 7.22% | 8.14% | 8.08% | 8.46% | 8.37% | 8.84% | 8.80% | +72 bps | |
| Net Interest Margin | 3.37% | 3.34% | 3.31% | 3.37% | 3.50% | 3.55% | 3.64% | 3.71% | +34 bps | |
| Efficiency Ratio | 48.36% | 48.89% | 48.55% | 48.19% | 47.71% | 46.41% | 48.51% | 48.90% | +71 bps | |
| Non-Interest Burden | 1.38% | 1.38% | 1.32% | 1.35% | 1.40% | 1.38% | 1.50% | 1.56% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.44% | 2.75% | 5.18% | 4.66% | 1.86% | 2.00% | -0.59% | 0.12% | -454 bps | |
| Loan Growth (YoY) | -1.25% | -4.17% | -0.35% | 1.99% | 2.71% | 5.65% | -0.48% | 1.06% | -93 bps | |
| Deposit Growth (YoY) | 8.37% | 5.53% | 6.72% | 3.98% | -0.10% | -1.04% | -3.16% | -2.94% | -692 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.33% | 2.83% | 2.82% | 2.64% | 2.15% | 1.93% | 1.02% | 0.37% | -227 bps | |
| Net Charge-Offs / Loans | 0.75% | 0.56% | 0.49% | 0.46% | 0.30% | 0.21% | -0.03% | -0.07% | -53 bps | |
| Allowance / Loans | 2.94% | 3.01% | 2.91% | 2.89% | 2.92% | 3.00% | 3.10% | 2.98% | +9 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.1x | 1.0x | 1.1x | 1.4x | 1.6x | 3.0x | 8.1x | +7.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.21% | 18.28% | 18.20% | 18.63% | 19.14% | 19.09% | 19.53% | 20.06% | +143 bps | |
| Total Risk-Based Capital | 18.21% | 18.28% | 18.20% | 18.63% | 19.14% | 19.09% | 19.53% | 20.06% | +143 bps | |
| Equity / Assets | 17.25% | 17.05% | 17.15% | 18.07% | 18.56% | 18.98% | 18.94% | 19.77% | +170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.75% | 69.73% | 69.79% | 72.31% | 72.74% | 74.44% | 71.72% | 75.29% | +298 bps | |
| Liquid Assets / Assets | 5.54% | 5.44% | 3.65% | 1.36% | 2.74% | 2.08% | 2.11% | 1.13% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 174.16% | 171.41% | 159.59% | n/a | n/a | |